Can I File Insurance Claim with SR22
Q: I’m required to file an SR22 certificate, so of course I’m paying a whole lot for my car insurance. If I were to get into a small car accident–say, a little bump, like a fender bender,–would it be necessary for me to file a car insurance claim, because I don’t want to lose my coverage?
A: It’s true that when you have to file an SR22 certificate that your standing with your car insurance company is often on edge. The smallest thing could mean cancellation or nonrenewal for you, but that doesn’t mean that you should avoid taking your responsibility when something happens. Remember what your car insurance is for–to insure your car. Even though your fender bender may cost less than your deductible, there are more factors invovled which should go towards your decision to file a car insurance claim.
Remember that even if a car accident seems small, you never know what will happen. I hada fender bender last year, but it was with a larger car and my car was very small. My car stopped right there in the road and we had to tow it away, even after only a slight bump, because it had jiggled something in my little car. Small bumps can have hidden damages as well as obvious ones, and what may seem like only a tiny dent could turn into a large mess once you take the car in to get an estimate. The same goes on the part of the other driver. Never offer to pay for someone’s damages with a check, because you can’t know how much they wioll be. You also can’t know fi the other driver will start having back problems the next day, or if any other injuries could show up, or even if the driver could crash his car and then blame it on you. Stay honest with your car insurance company which files your SR22 certificate and stay safe with yourself–to do those two things, you need to file a car insurance claim when you get into an accident.
